IFSC Code of Yes Bank, Chandigarh Sec Branch, Chandigarh

If you are searching for the IFSC code of Yes Bank, CHANDIGARH SEC branch in CHANDIGARH, CHANDIGARH, this page has every detail you need. The verified IFSC code for this branch is YESB0000446. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHANDIGARH SEC branch, and detailed step-by-step guides for using the IFSC YESB0000446 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Yes Bank – CHANDIGARH SEC is YESB0000446. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000446 map to this branch in CHANDIGARH, CHANDIGARH.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chandigarh Sec branch in Chandigarh, Chandigarh is part of this network and uses the IFSC code YESB0000446 for all electronic settlement.

Branch details at a glance

Chandigarh Sec branch overview

Located at SCO NO 179 AND SCO NO 180,, SECTOR 17C,, CHANDIGARH, CHANDIGARH, CHANDIGARH-160017, the Chandigarh Sec branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0000446 is required for all interbank electronic transfers routed through this branch.

Why every Yes Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CHANDIGARH SEC of Yes Bank — its own 11-character IFSC. The code YESB0000446 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC YESB0000446 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Chandigarh Sec branch is mapped to IFSC YESB0000446 on the RBI payments network. The branch generally supports the full retail product catalogue of Yes Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains YESB0000446.

Banking services available

The Chandigarh Sec branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 172-5037053.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC YESB0000446

How to transfer money using IFSC YESB0000446

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC YESB0000446 across all three.

NEFT to Yes Bank, CHANDIGARH SEC using IFSC YESB0000446

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC YESB0000446, and confirm that the system picks up Yes Bank – CHANDIGARH SEC. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHANDIGARH SEC

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CHANDIGARH SEC branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0000446 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – CHANDIGARH SEC, use IMPS. With IFSC YESB0000446 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Chandigarh Sec

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC YESB0000446:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHANDIGARH SEC is still linked to IFSC YESB0000446.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC YESB0000446

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Yes Bank – CHANDIGARH SEC is still mapped to IFSC YESB0000446. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC YESB0000446 and the beneficiary's account number to complete the transfer.

Online banking and IFSC YESB0000446

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CHANDIGARH SEC branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC YESB0000446 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Chandigarh Sec branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0000446 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Yes Bank – CHANDIGARH SEC:

• The IFSC is exactly YESB0000446 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Yes Bank as the bank name and CHANDIGARH SEC as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Chandigarh Sec branch sits at SCO NO 179 AND SCO NO 180,, SECTOR 17C,, CHANDIGARH, CHANDIGARH, CHANDIGARH-160017. If you are travelling from outside Chandigarh, search for the branch on a maps application using the bank name and locality, or call 172-5037053 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC YESB0000446 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0000446 for Yes Bank – CHANDIGARH SEC, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chandigarh Sec branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0000446, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0000446 is the IFSC code of Yes Bank, CHANDIGARH SEC branch, in CHANDIGARH, CHANDIGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.